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Sentvia vs Wise Business: which fits your business?
Looking for a Wise Business alternative, or wondering whether you need one? Wise Business is an international account for 40+ currencies, cross-border payments and cards. Sentvia is a specialist that settles stablecoin payments into named accounts in your own name. This page compares the two, using Wise's own published pages for every claim about Wise.
Last reviewed by Sean Rice, Chief Operating Officer
- Wise Business
- An international account for many currencies
- Sentvia
- Stablecoin and fiat settlement in your own name
- Stablecoins
- Wise doesn't support them; Sentvia is built for them
- Sources checked
- 28 October 2026
The short answer
Wise Business may suit you better if
- you hold, convert and pay out in many currencies: Wise holds 40+[2]
- you pay suppliers, contractors or staff abroad, including in batches of up to 1,000[1]
- your team needs company cards[6] and accounting integrations[1]
- you want support around the clock by email, phone or chat[1]
Sentvia may suit you better if
- clients or buyers pay you in USDT or USDC, which Wise doesn't support[3]
- you need a named account in UAE dirhams as well as US dollars, euros or pounds sterling
- your business is in a sector Wise lists as unsupported, such as FX and CFD trading or corporate services[4], and it is one Sentvia serves
- you are an individual with significant stablecoin holdings rather than a company
- you'd rather work with a specialist team that knows your business than a large platform
Sentvia vs Wise Business at a glance
| Wise Business | Sentvia | |
|---|---|---|
| What it is | An international business account for paying, getting paid and spending in many currencies[1] | Stablecoin and fiat settlement: conversions, named IBAN accounts and payments |
| Who can apply | Businesses from freelancers to large companies, if Wise supports their country of registration[5] | Businesses and high net worth individuals; every client is verified before onboarding |
| Currencies | Hold 40+ currencies[2] | USD, EUR, GBP and AED |
| Local account details | AUD, CAD, EUR, GBP, HKD, HUF, NZD, SGD and USD, with some limits by country; Swift details for others[2] | Named IBAN accounts in USD, EUR, GBP and AED, in your own legal name |
| UAE dirham (AED) account | AED can be received with Swift, not locally[2] | Named AED account, paid out by UAE local transfer |
| Cards | Physical and digital business cards in many countries[6] | No |
| Stablecoins | Not supported: no buying, selling or trading stablecoins or other cryptocurrencies, and such payments may be rejected[3] | USDT and USDC to and from USD, EUR, GBP and AED; EURC to and from EUR. Each conversion is quoted and locked first, and each incoming payment is screened |
| Industries | Doesn't support stablecoin exchange and trading, escrow services, FX and CFD trading platforms, money service businesses, or trust and corporate service providers that open accounts for others[4] | Works with FX and CFD providers, corporate service providers, property and escrow firms, car dealers and law firms; each client is reviewed on its own facts |
| Service | Built for scale: over 900,000 businesses, with 24/7 support by email, phone or chat[1] | A boutique specialist: a dedicated onboarding officer, then a named contact who knows your business |
| Regulation | Depends on where the business is registered; the terms for each country name the Wise entity | Bank of Canada (RPAA payment service provider) and FINTRAC (MSB No. C100000474). Not a bank: accounts are provided through regulated banking partners |
Numbers in brackets link to the sources at the end of this page. Statements about Sentvia describe its own service.
Where Wise Business is the stronger choice
For moving fiat money across borders, Wise Business covers far more ground than Sentvia. It holds 40+ currencies, gives local account details in nine of them[2], pays up to 1,000 people in one batch, syncs with accounting software and offers 24/7 support[1]. It also issues physical and digital business cards in many countries[6]. Sentvia does none of the card or batch-payroll side. If those are what you need, Wise Business or a similar account is the better tool.
Where Sentvia is built differently
Stablecoin payments, which Wise doesn't support
Wise says you can't use a Wise account to buy, sell or trade cryptocurrencies, which include stablecoins, that the rule covers business accounts, and that it may reject such payments or close the account[3]. At Sentvia a stablecoin payment is the starting point. You request a quote, approve it so the rate is locked, and give your payer the address for that conversion. The incoming payment is screened before it is converted, and the fiat settles to your named account with a record of the quote, the rate, the transaction hash and the payout. Our guide on how to accept stablecoin payments walks through it, and larger amounts can go through the OTC desk.
Accounts in your own name, including AED
Sentvia's named IBAN accounts are in your own legal name in USD, EUR, GBP and AED, so payers and your bank see your company as the account holder. AED is the notable difference: Wise lists AED among the currencies received with Swift rather than locally[2], while Sentvia pays out dirhams by UAE local transfer. See USDT to AED for how that corridor works.
Sectors that general business accounts turn away
Wise's Acceptable Use Policy lists businesses it doesn't support, and says the list isn't exhaustive[4]. Several of those sectors are where stablecoin payments are most common. Sentvia works with FX and CFD providers, corporate service providers, property and escrow firms and law firms, including new holding companies that need an account in their own name. Every client still goes through Sentvia's own checks.
A specialist, not a platform
Wise works at a very large scale: it says over 900,000 businesses move and spend £12 billion a month with it, and that its business support teams are available around the clock by email, phone or chat[1]. For many businesses that is exactly what they need.
Sentvia is built the other way round. It is a boutique specialist that works closely with each client. A dedicated onboarding officer learns how your business is paid before the first payment arrives, and after that you have a named contact. When a large or unusual payment needs attention, you deal with people who already know your business.
We can't match Wise's currency range or technology, and this page doesn't pretend to. What we offer instead is attention: a team that knows stablecoin payments in the sectors general accounts are wary of, and takes the time to get each one right.
Using both
The two aren't mutually exclusive. Many businesses keep a general business account for suppliers, staff and cards, and use Sentvia when a client, buyer or counterparty wants to pay in stablecoins. The fiat lands in a named account in your own name, and from there you can pay your other accounts or approved beneficiaries.
Sources
Wise's pages, last checked 28 October 2026.
- [1] Wise Business: The business account for going global
- [2] Wise help: Which currencies can I add, keep and receive in my Wise account?
- [3] Wise help: Understanding Wise's position on cryptocurrency
- [4] Wise: Acceptable Use Policy (worldwide, updated 25 March 2026)
- [5] Wise help: Can my business use Wise?
- [6] Wise help: Can my business get a Wise card?
Comparison correct as of 28 October 2026, based on the sources listed. Providers change their products, so check current terms with each one. This page is general information, not financial or legal advice. Wise is a trademark of its owner; Sentvia is not affiliated with Wise.
FAQ
Common questions
- Is Sentvia an alternative to Wise Business?
- For some businesses. Wise Business is an international account for holding 40+ currencies, paying people abroad and spending with cards. Sentvia is built for one job: turning stablecoin payments into fiat in named accounts in your own name, in USD, EUR, GBP and AED, and paying out from them. Businesses that need both often use both.
- Can I receive stablecoin payments with Wise?
- No. Wise says you can't use a Wise account to buy, sell or trade cryptocurrencies, which include stablecoins such as USDT and USDC, on personal or business accounts, and that it may reject such payments or close the account. It also doesn't support businesses that exchange or trade them. Sentvia is built for the opposite case: a client pays in USDT or USDC, Sentvia converts it, and the fiat settles to a named account in your own name.
- Why might Wise close or refuse a business account?
- Wise's Acceptable Use Policy lists businesses and transactions it doesn't support and may decline. The list includes exchanging or trading stablecoins and other cryptocurrencies, escrow services, FX and CFD trading platforms, money service businesses, and trust and corporate service providers that open accounts for other businesses or form offshore companies. Wise says the list is not exhaustive. Only Wise can say why it acted on a particular account.
- Does Wise Business offer AED account details?
- Wise's help centre lists AED among the currencies you can receive with Swift, not among those you can receive locally. Sentvia offers a named AED account in your own name, paid out by UAE local transfer.
- Does Sentvia issue cards?
- No. Sentvia is for conversions and account payments: stablecoins to and from fiat, named IBAN accounts and payments to approved beneficiaries. If your team needs company cards, Wise Business offers physical and digital cards in many countries and Sentvia does not.
- Can I use Wise Business and Sentvia together?
- Yes. A common set-up is Wise Business for paying suppliers and staff abroad, and Sentvia for stablecoin payments: clients pay in USDT or USDC, Sentvia converts them, and the fiat lands in a named account in your own name, from which you can pay your other accounts.
Get started
Settle stablecoin payments to your own account
Tell us about the payments you expect and a dedicated onboarding officer will guide you through set-up.